The Pearl | 2022 3rd Quarter Newsletter

The Pearl | 2022 3rd Quarter Newsletter | Issue 26

MEMBER-ONLY SPECIALS | BUDGETING | BOARD NOMINEES | FRAUD ALERTS

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CASH BACK PLATINUM FEATURES

Up to 2.00% cash back on ALL purchases
No Cash Back Limit

ADDED BENEFITS

No Annual Fees
No Account Set-Up Fee
No Program Fee
No Participation Fee
No Additional Card Fee
No Application Fee
No Transaction Fee for Purchases
No Cash Advance Fee
No Foreign Transaction Fee
ID Theft Protection
Airport Concierge

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BUDGETING FOR A FAMILY

NOMINEES FOR BOARD OF DIRECTORS

THE NOMINATING COMMITTEE HAS ANNOUNCED THE FOLLOWING INDIVIDUALS AS THEIR NOMINEES FOR THE BOARD OF DIRECTORS

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THE PEARL 3rd Quarter 2022

Promotions and offers may end or change at any time.

HOLIDAY CERTIFICATE SPECIAL – 14-MONTH TERM

This offer, including the stated Annual Percentage Yield (APY), is effective November 9, 2022. Promotion and offer may end or change at any time. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day period. Penalties apply for early withdrawals. Other restrictions may apply. Certificates will automatically renew after the first 14-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member’s loans and accounts must be current. Dividends will be compounded and credited monthly.

HOLIDAY LOAN SPECIAL

Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches or pearlhawaii.com for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Rates are subject to change or cancellation without prior notice. Maximum Loan Amount- $30.000. Payment Example (Based on $1000; estimated monthly payment): 1 Year @ 3.50% – 11 monthly payments of $84.92 + 1 of $84.87. Federally insured by NCUA.

CREDIT CARD

*Annual Percentage Rate (APR). Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. See Mastercard Disclosures for additional information at Credit Card Disclosures. Mastercard and the circle design are registered trademarks of Mastercard International Incorporated. Federally insured by NCUA.

CERTIFICATE SPECIAL – 20-Month Term

This offer, including the stated Annual Percentage Yield (APY), is effective October 25, 2022. Promotion and offer may end or change at any time. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. The minimum balance is $1000; no maximum balance. Deposits and withdrawals are subject to a seven-calendar-day period. Penalties apply for early withdrawals. Other restrictions may apply. Certificates will automatically renew after the first 20-month term unless the member submits a written notification. Thereafter, the certificate will automatically renew to a 12-month term. Member’s loans and accounts must be current. Dividends will be compounded and credited monthly.

5-YEAR FIXED INTO HOME EQUITY LINE OF CREDIT

LTV – Loan to Value. The Introductory Annual Percentage Rate (APR) of 3.75% for the first 60 months of the Introductory Period. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 4.00% for 80% LTV; the rate is applicable from 4/1/2022 through 3/31/2023. The Current Variable Index Rate shown is current as of 4/1/2022 and will not exceed 18% APR. The total HELOC loan amount received, rate, and terms are subject to credit approval. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved owner-occupant properties on Oahu accepted as collateral. The minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Refinancing existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. The borrower must maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRAappraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. The minimum payment for fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Federally insured by NCUA. HELOC EARLY DISCLOSURE.

The Pearl | 2022 3rd Quarter Newsletter